Leave a Review Axos All
It’s bad
Axos sent me a bad debit card twice, with an incorrect name. After the first time, I expected maybe they’d have some urgency since it was their mistake, but no. So I talked to a support rep who guaranteed me the third card would be overnighted. Only to get a follow up message via the app that it will be another 7-10 business days. So we’re talking a good 6 weeks now without access to my money. With that message, I replied that I was told it would be overnighted. When I got the very same automated message back about it taking 7-10 days, I responded with “I will be taking my banking and investment business elsewhere” because of this experience. They then decided, without ANY approval, that they would close my account, despite that I never actually requested to close my account. The lack of awareness coupled with the lack of any type of QA screams a top-down issue. The wrong people are in charge. The wrong processes are DEFINITELY in place and Axos has no regards for their customers. I have direct deposits and numerous bills linked to an account that they just decide to close without and authorization.
I could go on about the App issues too, but I’ll leave it with the actual banking and service experience.Show lessEG627green
Developer Response
Hello EG627, We are very sorry to hear about the poor experience you had and appreciate your feedback. Please email us at asupport2@axosbank.com so we can gather more details and escalate this to the appropriate team.Looking for a bank that can show accurate records
The most recent update of this app caused the oldest dates to be listed first in the transaction section, so you have to scroll through 200+ posted transactions to be able to see the most recent and pending transactions. It’s an annoying little nuance.
A much bigger nuance is they list deposits as posted 5-7 days before money is actually available, so the daily balance is not correct. I was going crazy with reviewing and re-reviewing the transactions on my account while trying to figure out why I was short on funds AFTER my deposit showed as posted. I couldn’t figure it out, then about a week later, the deposit became available and the daily balance suddenly was finally correct. The app caused me a week of unnecessary anxiety that could have easily been avoided if the deposit simply shown as pending until it was fully available.Show lesscalah23
Developer Response
Hello calah23, We apologize for any inconvenience. We are actively working to resolve the transaction issue. Please use the desktop site as we work to rectify the situation. We value your feedback and I have forwarded your input to our teams to help us improve. Thank you for your business.PLEASE READ***
Please pick or choose any other bank out there besides this one. This bank has been nothing but stressful for me ever since they bought out the BOFI bank. *They made a change that they feel buying lottery tickets is considered gambling and they wont allow you to buy any kind if lottery tickets.. by the way… they did this overnight and told no1 about the change. You find our by buying your weekly tickets at the store to be told your card is declined! *Not one English speaking representative in any department, trying to understand their answers to your questions is almost impossible! *They changed the 3-day-hold on deposited checks to a 5-day-hold and when u call them and say, its been 5 days, where’s my money?? They say they have up to 7-days to hold it. *Here’s the fun kicker with that one! Think they have a secret department that decides when to release your deposited checks into your account because, ive seen my work check sit for 7 days before being released and then a few days later, I’ll deposit a smaller checks that will get cleared within 24hrs!!!! This bank is soooooo dreadful deal with. Save yourself the hassle and either leave this bank or signup with someone else! Like Chime or Capitol one 360 ( P.S. this bank does not pay you 2 days early like most banks out there )Show lesshidden titan in my pants
Buyer BEWARE
After reading all the reviews, I am now aware that I am not alone.
Axos does not play well with Venmo or CashApp. You cannot see the details of a charge until it concludes the pending process (if you are attempting to stop fraud, you are fresh out of luck). Axos doesn’t update your balances in a timely fashion (keep an old check book and balance your own account, if you have the time lol). Axos doesn’t function properly for check uploads nor does it release the funds in a timely manner. I echo all the other complaints you see and that includes the mother of all complaints-horrible/non-existent customer service. All in all, my experience with Axos made me run back to Citibank and appreciate them even more, despite their imperfections. I love that everyone took the time to review and provide a “BUYER BEWARE” caution to potential customers. This is my very first ever review (too bad it’s to highlight such negative feedback).Show lessLLCQ22
Developer Response
Hello LLCQ22, We apologize for any frustration or inconvenience caused. This is not the level of service we strive to provide and I have shared your review with our team as we are always looking for opportunities to improve. We value your thoughts and are sorry that we were not able to keep your business. If there is anything we can assist with please email us at asupport2@axosbank.com. Thank you for your feedback.Missing key features
My mortgage payment has to be rescheduled every year because the escrow amount increases due to property tax increases and/or insurance going up. The app should automatically do this and notify me my next payment will be going up by $X. The feedback form in the app is limited to 220 characters and is difficult to read once you’ve typed more than 150 character due to the keyboard being in the way. Simple fixes would make this a great app. JP Morgans app is vastly superior. Not sure how this app has such good reviews. It’s also inexcusable that Eno can’t transfer me in app to a real representative. The inability to get real customer support via the app is definitely a poor design. Eno as a whole is more or less useless as well. The past due notifications also do not work right. They fire on the 1st of the month, but if that day is a weekend or holiday the payment won’t come out until the next business day, thus I’m notified I’m past due on something erroneously. There should be an option to notify me on the first business day after the payment due date to resolve this issue.Show lessOil intern
Developer Response
Hello Oil intern, we are sorry to hear about this and we want to help. Please send us an email at asupport2@axosbank.com so we can escalate this to the appropriate team for assistance. We hope to hear from you soon.Just avoid this bank
The app is trash to load. Once loaded, it’s ok but needs serious help. The managed portfolio (MP) account is garbage - your money goes into a black hole, the statements you get for the account is useless to know your investments, and if the market values go low your balance goes below zero since the deposits aren’t tracked when the money is invested. Closing the MP account is useless as they won’t tell you you have to get the account to $0 in order to close it. Secure messages are ignored and/or closed without being addressed. The mortgage department is immature in dealing with mortgages outside of their HQ state, they will low ball closing cost estimates to get the business then update the real estimates closer to closing in an attempt to make you feel like you have no choice but to stay with them for a mortgage. The goal post for the juicy interest rates keeps moving. Your debit card will get locked out for fraud risk at the worst time possible, for daring to venture outside of your typical circle retailers and vendors. Just overall garbage. If the BBB reviews are any measure, this review will be met with platitudes, maybe vengeance, rather than solutions. Just put your money back into your external account and cut ties now.Show lessgas_hed76
Developer Response
Hello gas_hed76, we are sorry you had a negative experience and that we are not meeting your expectations. This is not the level of service we strive to provide. I have shared your review with our team as we are always looking for opportunities to improve. Please send us an email at asupport2@axosbank.com so we can escalate your issue to the appropriate team to assist you.Worst banking app EVER!
I’ve been using AXOS for a couple of years now and I think I will be going back to a REAL bank. I’m so tired of all the issues with this app. I’ve had times where it shows no money in my accounts, which causes mild panic attacks, I sometimes get double charges when using my debit card or Apple Pay, and then there are times I can’t even login to my account at all, like today. I’m TIRED OF IT! I never had problems with the app for my old bank, so what is your problem AXOS?! People need to be able to see and access their money. This app is very unreliable! I will be looking elsewhere for my banking needs.Show lessComplexSuperiority
The App Slow
I’ve had Axos for a few years now. When i first downloaded the app there were no issues. Lately the app has been extremely slow. I read a previous tenure that I can concur with their issue of the app lagging to turn the Debit card on and off. I also use the Safari to utilize the Debit Card On/Off function as it takes way too long to utilize the app. I only use the app to see my transactions, and balance. Again, the app is extremely slow and this wasn’t initially the issue. For Axos to be an online bank you’d think their engineering would be superb with their app.Show lessdancing_eddy
Worst App Ever
This is a joke of an app. First, it looks and feels like a school project. Every screen takes 5-10 seconds to render. You link external accounts and they do not show up anywhere despite successful completion of the flow! You set up FaceID and it just randomly stops working. You remove an external account and it still shows up on some screens but not all! You try to submit a bill and get “oops! Our servers are not responding”. I have been desperately trying to move my money out to my other account so I can dump this thing for good. Cleverly, they limit the only transfer mode that works to $5k, so I have to wait a whole month before I can free myself from this disastrous experience. Also, good luck getting help or getting to talk to a person. You get a chat bot that is as dumb and as frustrating as one can be. Stay away if you want to save time. I would not trust this bank with my money!Show lessBellaSf
Developer Response
Hello, we are disappointed to hear you had a negative experience and apologize for the frustration caused. We’d like to help. Please send us an email at asupport2@axosbank.com so we can get more details and escalate this to the appropriate team to assist. Thank you.Incredibly slow
I liked the idea of an online bank and tried Axos for the interest checking. However, the app is sooooooo slow and glitchy. Plus the heart stop moment every single time you open it where all your accounts say $0 until it finishes loading. Or, as is often the case, it doesn’t load at all because “servers are down”. I’ll be switching banks just given the app experience.
An update- now that I have had to use the support center I would NEVER have signed up with this bank. They use a third party called Evo for support. Took me numerous calls to verify a transfer I initiated. The call center drops your call frequently. It definitely was not my phone because I could hear all the telecommunications folks in the background also yelling “hello? Hello?” Into the phone. The mobile messaging doesn’t give you any assistance so there is no way to get help without going through the call center.
There is NO REASON to use this app. Go somewhere else. I’m just worried if I’ll even be able to close this account given how terrible the customer service is.Show lessbuzzle1006
Developer Response
Hi there, we are sorry to hear this. I have shared your feedback with our team.
